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How crucial are banking apps? Your experience with them vs. browser banking? (lemmy.ml)

submitted 3 months ago by monovergent@lemmy.ml to c/privacy@lemmy.ml

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Banking apps seem to be a motif among things that don't play well with privacy ROMs. My bank's website does everything I could want out of it. I think I might be ignorant to something.

What about banking apps is especially compelling?
How often do banks put must-have features behind an app?
And should I be concerned that banks might move away from offering services through browsers?

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[-] rutrum@lm.paradisus.day 10 points 3 months ago

Cashing checks and zelle are the big ones

[-] seaQueue@lemmy.world 5 points 3 months ago

Zelle is sketchy even when compared to other cash transfer apps. They do a lot of freezing people's money. Don't use them if you have any other option.

[-] bobs_monkey@lemm.ee 4 points 3 months ago

I use Zelle almost exclusively for my business and I have never had an issue with it.

[-] Windswept@lemmy.world 2 points 3 months ago

Do you have some examples?

[-] brickfrog@lemmy.dbzer0.com 4 points 3 months ago

Same here, mobile check deposit and Zelle are literally the only things I've ever needed a bank app for.

I used to never use Zelle for anything but too many friends/family want to use some sort of app for exchanging money & that's usually what we settle on. And my old landlord wanted rent paid via Zelle so that was another thing that forced me to install a bank app for Zelle purposes.

Mobile check deposit is a requirement when dealing with a bank without any locations nearby. In practice I only need to use that once a year or so, checks are kind of rare nowadays unless you're a business owner with clients/customers paying with checks.

[-] Dymonika@beehaw.org 1 points 3 months ago* (last edited 3 months ago)

For some banks, like Ally, you don't need the app to transact in Zelle. But yeah, I must have one for check-depositing.

this post was submitted on 08 Aug 2024

100 points (98.1% liked)

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